The Cape Cod Five Cents Savings Bank
Hyannis, MA
IDRSSD: 664206
Total Assets
$5.60B
Latest filing
Total Deposits
$4.47B
Latest filing
Net Interest Margin
2.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Cape Cod Five Cents Savings Bank
1500 Iyannough Rd
Hyannis, MA 02601
Limited Service - Administrative
Updated 01/30/2026Established 03/16/1855FDIC Certificate 16320
Branches (22)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The Cape Cod Five Cents Savings Bank (Main) | 1500 Iyannough Rd | Hyannis, MA |
| WELLFLEET BRANCH | 345 Main St | Wellfleet, MA |
| YARMOUTH BRANCH | 514 Station Ave | South Yarmouth, MA |
| EAST HARWICH BRANCH | 129 Route 137 | East Harwich, MA |
| MASHPEE BRANCH | 10 N Market St | Mashpee, MA |
| ORLEANS BRANCH | 28 South Orleans Road | Orleans, MA |
| FALMOUTH BRANCH | 668 Main St | Falmouth, MA |
| NORTH EASTHAM BRANCH | 75 Brackett Road | North Eastham, MA |
Showing 7 of 22
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/16/1855 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 02601 |
| State and County Number | 25001 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Barnstable Town, MA |
Operational Info
| Number of Employees | 366 |
| Domestic Offices | 23 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/02/1981 |
| Primary Insurance Agency | DIF |
| Website | www.capecodfive.com |
| Data Updated | 01/30/2026 |
| CERT | 23287 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.60B |
| Total Deposits | $4.47B |
| Total Liabilities | $5.02B |
| Total Equity Capital | $577.88M |
| Net Income | $10.00M |
| Net Loans and Leases | $4.50B |
| Assets Per Employee ($Millions) | $15.26M |
| Bank Premises and Fixed Assets | $110.33M |
| Cash and Balances due from Depository Institutions | $136.66M |
| Deposits Held in Domestic Offices | $4.47B |
Key Performance Ratios
| Return on Assets (ROA) | 0.71% |
| Return on Equity (ROE) | 7% |
| Net Interest Margin | 2.89% |
| Efficiency Ratio | 72.48% |
| Tier 1 Risk-Based Capital Ratio | 17.547% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.318% |
| Earning Assets to total Assets | 93.12% |
Income and Expense
| Total Interest Income | $63.48M |
| Total Noninterest Income | $8.67M |
| Total Interest Expense | $25.50M |
| Total Noninterest Expense | $33.82M |
| Net Interest Income | $37.98M |
| Pre-tax Net Operating Income | $12.99M |
| Provision for Credit Losses | $-150,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $458.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $40.00M |
| All Other Liabilities | $56.94M |
| Total Liabilities and Capital | $5.60B |
Securities
| Securities | $622.62M |
| Available-for-sale debt securities | $585.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $36.65M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Cape Cod Five Cents Savings Bank?
$5.60B as of the latest filing.
How much are The Cape Cod Five Cents Savings Bank's total deposits?
$4.47B in total deposits.
Where is The Cape Cod Five Cents Savings Bank located?
Hyannis, MA.
What is the Net Interest Margin?
2.89%.
How many domestic offices does it operate?
23.
When was it established?
03/16/1855.
What is the Return on Assets (ROA)?
0.71%.
How much are total loans and leases?
$4.50B (latest filing).
What is the total interest income (latest filing)?
$63.48M.